9870 INDIAN KEY TRAIL UNIT 64, SEMINOLE, FL, 33776
Active6 days on marketListed Jul 28, 2026MLS #TB8530038
About this home
9870 INDIAN KEY TRAIL UNIT 64
Auction Property. ***Luxury Live Auction! *** Transparent Non-Distressed Auction! Saturday, August 15, 2026, at 11:00 am. Preview from 10:00 am on Sale Day. *** EVERYONE WELCOME TO BID *** Because this is an auction sale, the home may sell for less or more than the list price. The home is being sold free and clear of all debts and is guaranteed by title insurance, like any other traditionally listed home. *** You can use cash or financing.*** Experience waterfront resort-style living in the highly desirable Tara Cay community, surrounded by lush green spaces, manicured grounds, docks for your boat, a sparkling pool, and lounging areas. This spacious townhome offers nearly 2,000 square feet with 3 bedrooms, 3 full bathrooms, a bonus area, tranquil Intracoastal water views, and multiple outdoor living spaces overlooking the waterway. The main living level features a gourmet kitchen with a breakfast bar, dining area, and open living room designed to capture the peaceful resort-like setting. The kitchen was completely remodeled and updated in 2020, showcasing granite countertops, a custom tile backsplash, stainless steel appliances, generous cabinetry, and a walk-in pantry. Sliding doors lead to a private screened balcony, creating the perfect setting for morning coffee, outdoor dining, or relaxing as boats and wildlife pass by. Upstairs are two spacious primary suites, each with its own private bathroom and flexible sitting or office area. The larger waterfront suite features vaulted ceilings, two walk-in closets, a private screened balcony, and a beautifully updated en suite bathroom with granite finishes and a large tiled walk-in shower. The second suite provides excellent privacy for family members or overnight guests, complete with a full bathroom and additional sitting space. Custom decks and balconies extend from the ground floor, living area, and primary bedroom, providing three separate places to enjoy the water and surrounding tropical landscape. The waterway opens to the Intracoastal Waterway with convenient Gulf access, while boat docks are located right out your back lanai and are available for multi-day and night docking for your boat or everyday use. Additional highlights include a newer air-conditioning system installed in 2018, an oversized tandem garage with abundant storage, a large storage closet, real wood flooring throughout the home, flexible bonus space, and low monthly maintenance fees. The community pool is only steps from the home, yet the setting remains quiet, private, and peaceful. Tara Cay offers the carefree atmosphere of a waterfront retreat just minutes from Gulf beaches, boat ramps, parks, restaurants, shopping, schools, and local attractions. Whether enjoying the pool, launching a kayak, docking your boat, or unwinding on one of your private balconies, this exceptional townhome delivers the Florida waterfront lifestyle without the upkeep of a single-family waterfront property. ........BUYER will receive a general warranty deed free and clear of all debts, guaranteed with a title insurance policy at closing..... 4–Point Inspection Available *****Submit an acceptable contract to stop the auction!*****
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,749
Sqft
0.03 ac
Lot size
2
Garage
1994
Year built
Three Or More
Levels
$157
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,804 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,804/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−49.7%
$/sqft vs Seminole actives
$157 vs $252
Days on market
6 vs 44 typical
Where $157/sqft sits among the 290 Seminole actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Tara Cay
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Seminole. See the full Seminole guide →
Tara Cay — neighborhood snapshot
Population
632
Median age
60
Median income
$87,375
Median home value
$433,200
Avg household
2
Households w/ children
32%
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Seminole market
$410K → $410K
Seminole median sold, yr/yr
96.0%
Sale-to-list ratio (12 mo)
168 of 290
Seminole actives have cut their price
Median sold price, Seminole, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 48% below the SEMINOLE 33776 median. See the full Seminole market guide →
Paper trail
This home's history
Reality check
What actually sold near 9870 INDIAN KEY TRAIL UNIT 64
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$440,000
9874 INDIAN KEY TRL UNIT 62 · same community
3 bd · 3 ba · 1,749 sqft · $252/sqft · 103 DOM
Sold · Jun ’26$385,000
9868 INDIAN KEY TRAIL UNIT 65 · same community
3 bd · 3 ba · 1,749 sqft · $220/sqft · 227 DOM
Sold · Jul ’26$530,000
13472 BELLEWOOD AVENUE
3 bd · 2 ba · 1,726 sqft · $307/sqft · 102 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 9870 INDIAN KEY TRAIL UNIT 64 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9870 INDIAN KEY TRAIL UNIT 64 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
9870 INDIAN KEY TRAIL UNIT 64 FAQs
What would the monthly payment be for 9870 INDIAN KEY TRAIL UNIT 64?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,804/mo — principal and interest, the actual property-tax bill, the $420/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 9870 INDIAN KEY TRAIL UNIT 64?+
The association fee works out to $420 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9870 INDIAN KEY TRAIL UNIT 64?+
The most recent tax bill on record (2025) was $5,804. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 9870 INDIAN KEY TRAIL UNIT 64?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Seminole?+
At $275,000, this home is listed about 33% below the Seminole median of $410,950. The market section on this page shows how the area is trending.
Which schools are assigned to 9870 INDIAN KEY TRAIL UNIT 64?+
Oakhurst Elementary School (elementary), Seminole Middle School (middle), Richard O Jacobson Technical High School At Seminole (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the SEMINOLE 33776 market on paper
$275,000 is 48% below the SEMINOLE 33776 median of $529,500, and at $157/sqft it sits under the Seminole average of $262.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 6 days on market in a Seminole market that averages 44 — if it fits, move quickly.
04Strong assigned schools
Oakhurst Elementary School, Seminole Middle School, Richard O Jacobson Technical High School At Seminole — Oakhurst Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of AMERICAN HERITAGE REALTY, INC. · Benjamin Pietras. MLS #TB8530038.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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